The US Virgin Islands haven't made tourism their number one industry for nothing. While a lot of money is made from the docking fees paid by cruise ships, you too will have to pay for placing yourself in such idyllic surroundings. Things are expensive here and it is best to be prepared to accept that.

Travelling in style can top US$300.00 a day. Staying in a moderate hotel and eating in modest restaurants will cost around US$175.00 a day. Budget travellers can squeeze by on around US$75.00 a day, but will have to come up with some creative ways to do so. Bunking in with a few buddies in a St John campground is a good way to keep costs down. Coming in the off season will reduce room prices by up to 40%, and has the added bonus of less-crowded beaches and restaurants.

Traveller's cheques and major credit cards are widely accepted and there are plenty of change bureaus if you need to exchange other currencies. Hotels add a local room tax of 8% and a 10-15% service charge. Restaurant servers will either include a 10-15% service charge with the check or expect a comparable tip.

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